Regular Savings Account

- If your daily balance drops below $100 during the quarter, you pay a low quarterly fee of $3.

- Make up to 6 withdrawals each quarter at no charge. There is a $3 charge for each withdrawal over 6 per quarter.

- Interest is paid on collected balance and is compounded and credited quarterly.

Minors (under the age of 18) may open the account with only $25 and minimum balance requirements are waived. Normal withdrawal charges will apply.

Emerald Savings

- Opening deposit requirement of $5,000.

- No fee when you maintain a minimum balance of $5,000.

- If your daily balance drops below $5,000 during the quarter, you pay a

quarterly fee of $12.50.

- Make three withdrawals per quarter at no charge. There is a $5 per

withdrawal charge after the third withdrawal each quarter.

- Interest is tiered to pay you more money when you keep balances of

$25,000 or more. Interest is paid on collected balance and is compounded

and credited quarterly.

Money Market Account

- Opening deposit requirements of just $1,200.

- No monthly fee when you maintain a minimum balance of $1,200.

- If your balance drops below $1,200, your monthly fee is $12.

- Earn interest on your entire balance...plus, interest is tiered at

$10,000 and $50,000.

Check imaging included with monthly statement at no charge.

You can make unlimited in-person transactions on your account. Transfers from a Money Market account to another or to third parties by pre-authorized, automatic, telephone transfer, check, draft, or similar order are limited to six per statement cycle. There is a $10 charge for each withdrawal over six per statement cycle.

Certificates of Deposit

- Our Certificates of Deposit are very flexible, giving you control over how your funds work for you. Your deposit will earn a market rate of interest, determined by prevailing interest rates, plus you select the maturity term you want, from 30 days to five years.

NOTE: All savings and investment accounts use the Daily Balance Computation Method. Savings accounts, Certificates of Deposit, and IRAs are compounded quarterly. Rates are subject to change. Penalties for early withdrawal on Certificates and IRAs.